Universal 1
Universal 1 supports Zelle. FedNow and RTP participation has not been confirmed.
Dayton, OH · NCUA Charter #64970
http://www.universal1cu.org1 River Park Dr, Dayton, OH, 45409-2104
Contact info sourced from NCUA's quarterly call report data. Directory data last synced July 18, 2026. See methodology.
- Source
- Zelle's partner directory
- Community confirmations
- 0
Zelle's own directory is known to be incomplete, so a missing badge doesn't necessarily mean a bank lacks support.
Submit Route Report
Add a real transfer outcome involving Universal 1.
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Report early direct deposit
Did a paycheck or benefit show up early at Universal 1?
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Sending from Universal 1
Rails observed when Universal 1 was the sending bank.
No sending reports yet for Universal 1. Once community members report a transfer from this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Receiving into Universal 1
Rails observed when Universal 1 was the receiving bank.
No receiving reports yet for Universal 1. Once community members report a transfer into this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
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Frequently asked questions
Does Universal 1 support FedNow?
This hasn't been confirmed. Universal 1 does not currently appear in Federal Reserve's FedNow participant list, and no community reports have confirmed this rail for this bank yet.
Does Universal 1 support RTP?
This hasn't been confirmed. Universal 1 does not currently appear in The Clearing House's RTP participant list, and no community reports have confirmed this rail for this bank yet.
Does Universal 1 support Zelle?
Yes. Universal 1 appears in Zelle's partner directory, confirmed July 9, 2026. Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.
Does Universal 1 have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for Universal 1 yet.